PENGARUH LITERASI KEUANGAN DAN EFIKASI DIRI TERHADAP PERILAKU KREDIT BERISIKO DALAM PENGGUNAAN PAYLATER PADA MAHASISWA

Novita Tri Lestianingrum; Aniek Hindrayani

doi:10.24127/jp.v14i1.12181

Authors

Novita Tri Lestianingrum Universitas Sebelas Maret
Aniek Hindrayani Universitas Sebelas Maret

DOI:

https://doi.org/10.24127/jp.v14i1.12181

Keywords:

Literasi Keuangan, Efikasi Diri Finansial, Perilaku Kredit Berisiko, Paylater, Tekanan Keuangan

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, efikasi diri, serta tekanan keuangan terhadap eprilaku kredit berisiko dalam penggunaan paylater pada mahasiswa di Kota Surakarta. Metode yang digunakan dalam penelitian ini adalah Partial Least Square (PLS) dengan model yang digunakan adalah Structural Equation Model (SEM). Sampel yang digunakan dalam penelitian ini adalah mahasiswa di Kota Surakarta yang pernah menggunakan paylater. Hasil dari penelitian ini menunjukkan bahwa 1) literasi keuangan berpengaruh positif terhadap efikasi diri finansial; 2) literasi keuangan berpengaruh megatif terhadap perilaku kredit berisiko; 3) efikasi diri finansial tidak berpengaruh negatif terhadap perilaku kredit berisiko; 4) efikasi diri finansial memediasi hubungan antara literasi keuangan terrhadap perilaku kredit berisiko; dan 5) tekanan keuangan memoderasi hubungan antara literasi keuangan terhadap perilaku kredit berisiko

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